LITERA: Jurnal Ilmiah Mutidisiplin

Model Mitigasi Risiko Likuiditas pada Fintech Syariah P2P Lending

2025-05-18T06:56:13+00:00

The rapid growth of Sharia-based peer-to-peer (P2P) lending fintech in Indonesia is accompanied by major challenges, particularly liquidity risk that may disrupt platform stability. This study aims to identify the sources of liquidity risk in Islamic fintech and formulate a mitigation model aligned with Sharia principles. A qualitative approach with descriptive-analytical and case study methods was employed. Data were collected from literature review, official reports by the Financial Services Authority (OJK), and observation of practices in selected Islamic P2P platforms. The findings indicate that liquidity risks are primarily caused by borrower payment delays, maturity mismatch, panic withdrawals by lenders, and the limited availability of Sharia-compliant liquidity instruments. The proposed mitigation model includes the use of Sharia reserve funds based on tabarru’, automated payments via blockchain-based smart contracts, funding diversification through fintech sukuk, and early warning systems powered by AI. This study recommends that regulators issue specific guidelines on liquidity risk management in Islamic fintech and promote inter-institutional collaboration to ensure a resilient and sustainable Islamic financial ecosystem.

Tinjauan Daya Dukung Abutment pada Jembatan Gantung Pantai Ina Marina Maluku Tengah

2025-05-21T11:32:06+00:00

The suspension bridge located at Ina Marina Beach, Central Maluku, serves as a connector between two artificial islands with a total length of 52 meters. This bridge lacks a reinforcement design in the working drawings, and the superstructure has experienced settlement due to weaknesses in the foundation structure. This study aims to calculate the bearing capacity of the abutment under the applied loads and to design an appropriate reinforcement system. The calculation method used includes the Bridge Management System (BMS) and ultimate strength analysis, while the reinforcement design refers to the Indonesian National Standard (SNI) 03-2847-2002. The analysis results show that the bearing capacity of the abutment is influenced by a dead load of 5 tons, a live load of 3.92 tons, and a frictional load of 693.41 tons, with horizontal forces of 58.21 tons (Pa1) and 127 tons (Pa2). The ultimate bearing capacity (Qult) is 127.3 tons/m², while the allowable bearing capacity (Qall) is 42.43 tons/m². Based on these calculations, reinforcement planning was carried out for structural elements such as the bearing slab, tread slab, and cantilever, with adjusted reinforcement specifications to ensure the stability and safety of the bridge structure.

Inovasi dalam Perjalanan Umroh dengan Aplikasi Digital: Strategi Manajemen Risiko pada Aplikasi Muslim Pergi

2025-05-26T01:04:35+00:00

The transformation of religious tourism, particularly Umrah, has been significantly influenced by digital innovation. The Muslim Pergi application emerges as a technological breakthrough designed to facilitate Umrah travel services that are sharia-compliant, fast, and reliable. This study aims to analyze the innovation model of the Muslim Pergi application and its risk management strategy in the digital Umrah ecosystem. Using a descriptive qualitative approach through library research, this article explores academic journals, government regulations, and credible digital sources to identify risks and the mitigation strategies applied by the platform. The findings show that Muslim Pergi integrates multiple features such as online Umrah booking, group management, real-time worship guidance, and digital customer support. However, these innovations are not without challenges. The application faces various digital risks including data security breaches, system downtime, partner unreliability, transaction errors, and reputational threats. To address these, Muslim Pergi implements a combination of digital risk control, customer service optimization, and strict compliance with Indonesia’s Ministry of Religious Affairs regulations, particularly the Regulation of the Minister of Religious Affairs No. 5 of 2021. The study concludes that effective digital risk management is essential to sustain customer trust and service quality in the digital Umrah industry. This article contributes to the development of Islamic digital services by presenting a conceptual model that combines technological innovation with Islamic values and regulatory compliance. It is expected to serve as a reference for Islamic travel technology developers, policymakers, and researchers in Islamic digital innovation and risk governance.

Analisis Faktor-faktor yang Mempengaruhi Produktivitas Tenaga Kerja pada Proyek Rehabilitasi dan Renovasi Gedung BPJS Kesehatan Kantor Cabang Ambon

2025-06-04T01:12:30+00:00

Rehabilitation and Renovation Project of BPJS Kesehatan Ambon Branch Office Building, on Jl. Ir. M. Putuhena, Wailela, Rumah Tiga Kec. Teluk. Ambon, Ambon City-Maluku is one of the projects funded by APBN funds with a contract value of Rp. 14,750,000,000.00. This study aims to obtain the influence of factors on labor productivity and obtain the most dominant factors on labor productivity in the Rehabilitation and Renovation Project of BPJS Kesehatan Ambon Branch Office Building. The data collection method used by the author in this study is the Observation Method, the author conducted a field survey on the Project which was the object of the study, to obtain primary data in the form of interviews with the implementing contractor at the project location and secondary data in the form of General Project Drawings and Labor Data obtained from the implementing contractor. in the implementation of the Rehabilitation and Renovation Project of BPJS Kesehatan Ambon Branch Office Building. Based on the results of the analysis of the presentation of the influence of independent variables on labor productivity, which is 75.2%. While the remaining 24.8% is influenced by other variables that were not tested in this study, and the most dominant influencing factor on labor productivity in the BPJS Kesehatan Ambon Branch Office Building Rehabilitation and Renovation Project was obtained, which was seen from the results of the highest standardized coefficients beta value, namely in the Education Variable (X3) of (0.834) or (83.4%). So the most dominant factor is the Education Variable.

Tinjauan Kebutuhan Air Bersih dan Pendistribusiannya pada Desa Lohiatala (Bagian Atas), Kecamatan Kairatu Barat, Kabupaten Seram Bagian Barat

2025-06-04T01:17:38+00:00

Water is the most essential resource in life. In every activity of life, not only humans but all living beings need water. The issue of clean water availability is something important that cannot be separated from the fabric of life. In Lohiatala village, the water source is taken from the river, then pumped to the upper settlement and stored in reservoirs, followed by distribution to distribution tanks and dispersed through 6 faucet points scattered throughout the village. This research aims to determine the population and clean water needs until the year 2043. In the research, the need for clean water in the village of Lohiatala is predicted using a population projection calculation method with an arithmetic approach, estimating a population of 782 people by 2043. Based on this population number, the required amount of water in the village of Lohiatala is 14,097 liters per hour or 0.00391 m³/second. To optimize the distribution of clean water, it is necessary to calculate the pipe diameter from the distribution tank to the sixth faucet; the result obtained by the researchers is 10 inches (taken from the calculation of the largest pipe diameter).

Perbedaan Madzhab dalam Menentukan Awal Bulan Hijriah: Studi Krisis atas Pendekatan Hisab dan Rukyah

2025-06-08T05:14:41+00:00

Abstract The determination of the beginning of the Hijri month occurs in the Islamic world, particularly concerning the use of the methods of hisab (astronomical calculation) and rukyah (direct observation). This difference is not only technical but also rooted in the various Islamic schools of thought (madhabs), which have different approaches to sources of law and epistemology. This study aims to critically examine the differences among the madhabs in determining the beginning of the Hijri month by reviewing the methods of hisab (astronomical calculation) and rukyah (direct observation). The approach used is qualitative with a literature review method on relevant primary and secondary sources. The research findings indicate that the Shafi'i and Hanbali madhabs tend to prioritize rukyah as the main method, while the Hanafi and Maliki madhabs are more flexible in accepting hisab under certain conditions. On the other hand, this difference also has implications for religious decisions in various Muslim countries that have different policies in determining the beginning of the Hijri month. In addition to the fiqh aspect, this study also highlights how the development of astronomical technology plays a role in reconciling these two approaches.As an implication, this research proposes the need for more intensive dialogue and consultation among scholars from different madhabs to find a common ground and solutions that can be accepted by all Muslims. The study also emphasizes the importance of developing a more accurate and integrated Hijri calendar system, utilizing advancements in science and technology. In conclusion, while differences remain, a more inclusive and integrative approach is needed so that Muslims can reach a broader agreement on determining the beginning of the Hijri month without neglecting both the sharia and scientific aspects.

Analisis Produktivitas Penggunaan Alat Berat Excavator dan Dump Truck pada Proyek Pembangunan Jembatan Hutumuri Kecamatan Leitimur Selatan Kota Ambon

2025-06-11T12:18:32+00:00

The Hutumuri Bridge Construction Project in Leitimur Selatan District, Ambon City has a budget of 2,333,110,000.00 with a planned implementation time of 120 calendar days in 2022. In the Hutumuri Bridge Construction Project Package II, in its implementation there were problems that arose in the implementation of this project, namely a decrease in heavy equipment work productivity influenced by the condition of the equipment, weather and terrain, ineffective use of heavy equipment, where during excavation work, the heavy equipment used at the project location, namely the excavator, was damaged due to the terrain and weather, as a result the bolts on the heavy equipment rusted and broke. The purpose of this study was to determine the production capacity, determine the time needed, and obtain the rental costs for excavators and dump trucks for the Hutumuri Bridge Construction Project in Leitimur Selatan District, Ambon City. The data collection method used by the author in this study is the Observation Method, the author conducted a field survey on the Project that was the object of the study, to obtain primary data in the form of documentation photos, and secondary data in the form of heavy equipment specifications, work drawings, time schedules. Based on the results of the calculation of the Productivity of the Use of Excavator and Dump Truck Heavy Equipment on the Hutumuri Bridge Construction Project, South Leitimur District, Ambon City, the productivity value of the PC 200 excavator heavy equipment was 14.56 m3 / hour and the dump truck was 5.47 m3 / hour on the Hutumuri Bridge Construction Project, South Leitimur District, Ambon City, the total time required for the excavator heavy equipment was 2.51 m3 / hour and the dump truck was 6.68 m3 / hour, and the rental cost for the excavator heavy equipment was Rp. 126,257.00 / hour and the dump truck was Rp. 566,859.00 / hour.